# Types Of Insurance In The UK **URL:** \ **Category:** Insurance\ **Created:** [October 9, 2020, 11:57am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014 "2020-10-09T11:57:51Z")\ **Posts on this page:** 16\ **Page:** 1
**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\ **Post date:** [October 9, 2020, 11:57am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/1 "2020-10-09T11:57:51Z")
I don’t know about everyone else, but insurance is one of the things I most hate paying for… However, last year I reluctantly paid a huge amount in travel insurance, which then came in super handy when I had £4Ks worth of claims to make 😂 I’ve just published a guide to the [different types of insurance in the UK](https://bit.ly/3deHlMb), where I’ve looked at car insurance, life insurance, contents insurance, and more! Which types of insurance do you never fail to buy? ---
**Author:** ![Pa.ul](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/pa.ul/32/1195_2.png) [@Pa.ul](https://community.emma-app.com/u/Pa.ul)\ **Post date:** [October 9, 2020, 1:49pm UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/2 "2020-10-09T13:49:09Z")
The usual really. Buildings, Contents, Car, and Travel. Used to have Life Assurance, but not any more. ---
**Author:** ![glyn1954](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/glyn1954/32/1206_2.png) [@glyn1954](https://community.emma-app.com/u/glyn1954)\ **Post date:** [October 9, 2020, 4:11pm UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/3 "2020-10-09T16:11:33Z")
Hi Rebekah I currently buy household and motor insurance with providers tending to vary yearly after reviewing renewal quotes. Also always buy travel insurance for trips overseas. Although not taking many overseas trips at the moment Lastly also have private medical insurance which is the one that tends to cause me the biggest headache. Been with an existing provider for some time and not easy to move to a new provider and get the same cover. However due to exorbitant increase in premium at this years renewal will definitely be looking at a new provider for this ---
**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\ **Post date:** [October 9, 2020, 5:11pm UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/4 "2020-10-09T17:11:47Z")
> [@Pa.ul](#): > > Used to have Life Assurance, but not any more. Yeah, I think this is one of the least common types of insurance that people take out? > [@glyn1954](#): > > Also always buy travel insurance for trips overseas. Although not taking many overseas trips at the moment I can’t imagine too many people have been buying travel insurance this year 😢 > [@glyn1954](#): > > private medical insurance Oo this was one type of insurance I didn’t cover in the article. I hope you manage to sort out switching plans soon without too much hassle 🤞 ---
**Author:** ![Pa.ul](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/pa.ul/32/1195_2.png) [@Pa.ul](https://community.emma-app.com/u/Pa.ul)\ **Post date:** [October 10, 2020, 8:39am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/5 "2020-10-10T08:39:32Z")
On the back of your article, @rebekah, I googled for different types of insurance and was surprised to discover one called **Umbrella** Insurance. Now I know those pesky, blustery, winds can cause your brolly to flip inside out and break, but really? Insurance to cover the cost of a new ☂ ? Turns out that this type of insurance is what I knew as _Gap Insurance_. Only time I have seen it offered was when a colleague bought a pre-registered car, and the dealership offered it as cover for any shortfall (following a total loss or theft claim) between the insurers’ value of the car, and the purchase price. Allegedly, could only be bought at time of purchase of the vehicle. _(Suggests to me that the vehicle is over-priced to start with then, and the dealership know that!)_ I assume then that _Umbrella_, or _Gap_ Insurance is still available to the public and wonder how many readers actually subscribe to them, or have done at some point in their lives. 🤔 ---
**Author:** ![slewis](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/slewis/32/1394_2.png) [@slewis](https://community.emma-app.com/u/slewis)\ **Post date:** [October 10, 2020, 11:58pm UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/7 "2020-10-10T23:58:44Z")
Life insurance, home insurance, motor insurance, medical insurance, dental insurance, car hire excess insurance, annual travel insurance, car breakdown insurance, … You can get insurance for practically any risk, at a price - didn’t Heidi Klum insure her legs? And didn’t some scotch whiskey company offer £1m to whoever could prove the existence of the Loch Ness Monster, and then took out insurance against the risk of having to pay out? ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [October 11, 2020, 1:09pm UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/8 "2020-10-11T13:09:34Z")
I just have Vitality + whatever Amex gives. 😅 ---
**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\ **Post date:** [October 12, 2020, 9:20am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/9 "2020-10-12T09:20:56Z")
> [@slewis](#): > > didn’t Heidi Klum insure her legs? Haha for a small $2M! David Beckham has his legs (and face) insured for a reported $195M! ---
**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\ **Post date:** [October 12, 2020, 9:31am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/10 "2020-10-12T09:31:38Z")
> [@Pa.ul](#): > > I assume then that _Umbrella_ , or _Gap_ Insurance is still available to the public and wonder how many readers actually subscribe to them, or have done at some point in their lives. 🤔 Hmm I haven’t really heard too much about it! Is it mostly just for people who buy new cars? ---
**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\ **Post date:** [June 2, 2021, 8:07am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/11 "2021-06-02T08:07:35Z")
I’ve seen on the MSE newsletter that the FCA confirmed last week that from January car and home insurers must charge renewing and new customers the same. While this is good for people who never switch, it probably means that savvy switchers won’t be able to get as good a deal anymore. From the newsletter, Martin says: _"With firms forced to offer new and existing customers the same prices, the new structure will likely meet somewhere a little above halfway between them._ _"It’s good news for those who never switch, as renewals will be cheaper. But it’s bad news for those who actively seek the best deals. While they should still be able to save due to competition, differences will fall, and they’ll pay more overall._ _“It’s possible today is a sweet spot to check car insurance and home insurance prices. While the new regime starts in January, insurers will likely start to shift algorithms before - there are even signs now (but the data isn’t conclusive). This likely means the cheapest prices will disappear rapidly for those who compare and switch. So I suggest everyone check ASAP to see if you can cut costs by grabbing cheaper switchers’ deals.”_ ---
**Author:** ![Joel](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/joel/32/571_2.png) [@Joel](https://community.emma-app.com/u/Joel)\ **Post date:** [June 2, 2021, 8:45am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/12 "2021-06-02T08:45:14Z")
I wonder why they decided it only for car and home insurers and not other kinds of insurance 🤔 ---
**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\ **Post date:** [June 2, 2021, 8:59am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/13 "2021-06-02T08:59:11Z")
Hmm, I assume car and home insurance are the two most common types of insurance that you renew annually? Would be interesting to see if they did expand it to all types of insurance though Do you pay insurance on anything at the moment? ---
**Author:** ![Joel](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/joel/32/571_2.png) [@Joel](https://community.emma-app.com/u/Joel)\ **Post date:** [June 4, 2021, 8:48am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/14 "2021-06-04T08:48:45Z")
What kind of insurances do you have currently @rebekah? ---
**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\ **Post date:** [June 4, 2021, 9:11am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/15 "2021-06-04T09:11:52Z")
I usually get an annual travel insurance policy. I didn’t bother with that this year, although I have a few UK trips planned so I’m wondering whether I should look into getting something? I hired a car when I went to Cornwall last month, and got car hire excess insurance. Very glad I did because I maaay have scratched it going down a super tiny Cornish road 👀 And I’ve just started paying for jewellery insurance! 💍💍 ---
**Author:** ![Joel](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/joel/32/571_2.png) [@Joel](https://community.emma-app.com/u/Joel)\ **Post date:** [June 9, 2021, 5:39pm UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/16 "2021-06-09T17:39:16Z")
> [@rebekah](#): > > And I’ve just started paying for jewellery insurance! 💍💍 UMMMMMMMMMMMMMMMMMM ![](https://media1.giphy.com/media/v1.Y2lkPTc5MGI3NjExYXpvZm03YXB3NHY4NHlpNmlxajRxNW51N3JibjB1MnFscmFraW56NyZlcD12MV9pbnRlcm5hbF9naWZfYnlfaWQmY3Q9Zw/3ohhwuQsXM631E3U0o/giphy.gif "Schitts Creek What GIF by CBC - Find & Share on GIPHY") ---
**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\ **Post date:** [June 10, 2021, 8:24am UTC](https://community.emma-app.com/t/types-of-insurance-in-the-uk/3014/17 "2021-06-10T08:24:16Z")
![](https://media2.giphy.com/media/1117SnVlkwL5FS/giphy.gif?cid=790b7611cd448acc7f76feac9585989cc171fcd19274e2b2&rid=giphy.gif&ct=g "Cheeky GIF - Find & Share on GIPHY")